Cheri Maloney
Viola,DE
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Mortgage professional offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
Overview
19
19
years of professional experience
Work History
Senior Mortgage Loan Officer
Caliber Home Loans
Dover, DE
06.2020 - Current
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Fielded customer complaints and provided solutions.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages for drafting and presentation accuracy.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
Senior Loan Officer
Waterstone / Capital Bank
Dover, DE
03.2019 - 06.2020
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Developed and maintained relationships with local real estate agents.
- Assisted senior-level credit officers with complex loan applications.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Loan Officer
Fairway Independent Mortgage Corp
Dover, DE
03.2018 - 03.2019
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Maintained strict confidentiality of bank records and client information.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Developed and maintained relationships with local real estate agents.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Loan Officer
Caliber Home Loans
Dover, DE
01.2013 - 03.2018
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained strict confidentiality of bank records and client information.
Mortgage Specialist
Wells Fargo Bank
Dover
10.2003 - 01.2013
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Remained updated with latest information related to mortgage products and services being offered.
- Created profitable and efficient solutions.
- Attracted new mortgage loan applications by developing relationships within community.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Fielded customer complaints and provided solutions.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Attracted new mortgage loan applications by developing relationships within community
- Explained legal aspects of loan to borrower, as well as payment terms and clauses
- Remained updated with latest information related to mortgage products and services being offered
- Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships
Education
State & Federal License For NMLS - Mortgage
NMLS
Dover01.2003
Licensed Financial Advisory - Finance
Series 7, 63, 65
Dover, DE05.1995
Associate of Applied Science - Management
DTCC
Dover DE05.1985
Skills
- Mortgage Loan Origination
- Sales Development
- Product Education
- Creditworthiness Determination
- Application Reviews
- Loan File Maintenance
- Customer Proposals
- Credit History Review
- Sales Forecasting
- Customer Relations
- Loan Processing Coordination
- Government Lending
- Pricing Policies
- Print Media
- Appraisal Verification
- Motivational Techniques
- Retail Mortgages
- Credit File Updating
- Terms Definition
- Financial History Analysis
- Providing Feedback
- Financial Advisement
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
You are never too old to be what you might have been.
George Eliot
Timeline
Senior Mortgage Loan Officer
Caliber Home Loans
06.2020 - Current
Senior Loan Officer
Waterstone / Capital Bank
03.2019 - 06.2020
Loan Officer
Fairway Independent Mortgage Corp
03.2018 - 03.2019
Loan Officer
Caliber Home Loans
01.2013 - 03.2018
Mortgage Specialist
Wells Fargo Bank
10.2003 - 01.2013
State & Federal License For NMLS - Mortgage
NMLS
Licensed Financial Advisory - Finance
Series 7, 63, 65
Associate of Applied Science - Management
DTCC
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